"This policy/certificate does not cover any loss incurred by Monica H as a result of incompetent cervix, complications therefrom, and treatment therefor. This rider specifically excludes loss incurred as a result of preterm labor. "
I've been so sick to my stomach about it all so I haven't made any effort to contact the insurance company to see what they'll cover. Apparently we've been paying all this time for nothing. I wondered what they will cover and according to the policy, they'll pay for hospital stay and medications at delivery. My OB thinks we shouldn't drop the insurance because if that's the only thing they cover that's at least $15,000 we don't have to pay for.